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Cost of Living Comparison 2026

๐Ÿ“ Los Banos, CA โ€” ZIP-level rent data ยท COL adjusted from Modesto, CA area

$

Numbers update automatically as you type

You'd save $1.2K/month moving to Indianapolis, IN

$150.0K in your current city equals $135.5K in Indianapolis, IN

Rent data from HUD ZIP-level estimates ยท COL index from area
Overall Cost
โ†“ 16.1%
Less expensive
Monthly Impact
$1,206
Savings
Annual Impact
$14.5K
Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Los Banos, CA

Population:49K
Cost Index:100
Median Home:$455K

Indianapolis, IN

Population:888K
Cost Index:84
Median Home:$176K

Los Banos, CA

The Golden State

49K
Population
State Tax
Yes

Located in California, this city has a population of 49K residents.

Indianapolis, IN

The Hoosier State

888K
Population
State Tax
Yes

Located in Indiana, this city has a population of 888K residents.

Cost Breakdown by Category

Annual spending: Los Banos, CA vs Indianapolis, IN

๐Ÿ Housing
โ†“ 26.4%
Los Banos, CA
$2,647
Indianapolis, IN
$1,949
Difference
$698
less
๐Ÿš—Transportation
โ†“ 15.3%
Los Banos, CA
$1,403
Indianapolis, IN
$1,188
Difference
$215
less
๐Ÿ›’Groceries
โ†“ 13.5%
Los Banos, CA
$1,062
Indianapolis, IN
$919
Difference
$143
less
๐ŸฅHealthcare
โ†‘ 19.0%
Los Banos, CA
$489
Indianapolis, IN
$582
Difference
$92.96
more
๐Ÿ“ฆOther
โ†“ 3.0%
Los Banos, CA
$1,640
Indianapolis, IN
$1,590
Difference
$49.69
less
โšกAll Utilities
โ†“ 2.7%
Los Banos, CA
$517
Indianapolis, IN
$503
Difference
$14.21
less

๐Ÿ›๏ธ Local Income Taxes

Indianapolis, IN: Marion County Income Tax$3,030/yr (2.0%)

Los Banos, CA has no local income tax.

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

๐Ÿ Rent Comparison

Studio
From$1,059
To$1,030
โ†“ $29.00
1 Bed
From$1,148
To$1,170
โ†‘ $22.00
2 Bed
From$1,423
To$1,360
โ†“ $63.00
3 Bed
From$1,957
To$1,760
โ†“ $197
Los Banos, CAZIP-level data

1BR range: $1,420โ€“$1,420/mo

Indianapolis, INZIP-level data

1BR range: $1,080โ€“$1,870/mo

๐Ÿ’ก Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,759
Monthly in Los Banos, CA
$6,732
Monthly in Indianapolis, IN
$1,027
Difference

Home Values

Los Banos
Indianapolis
$455K
Median Value
$176K
โ†“ -3.2%
YoY Change
โ†“ -1.1%
โ†‘ +22.3%
5-Year Change
โ†‘ +26.9%
$455K
Price Range
$109K - $340K

Homes in Indianapolis are 61% less expensive than Los Banos

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
โ†‘ $5.8K
Per year
Monthly Difference
$482
More take-home
Effective Rate Diff
3.9%
Rate difference

Los Banos, CA

Federal Income Tax
Effective: 18.9%
$25.5K
California State Tax
Effective: 7.1%
$10.6K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 31.8%
$47.6K
Take-Home Pay
$8,530/month
$102.4K

Indianapolis, IN

Federal Income Tax
Effective: 18.9%
$25.5K
Indiana State Tax
Effective: 3.2%
$4.8K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 27.9%
$41.9K
Take-Home Pay
$9,012/month
$108.1K

Additional Tax Information

Los Banos, CA Tax Rates

Sales Tax:10.5%
Property Tax:0.8%

Indianapolis, IN Tax Rates

Sales Tax:7.0%
Property Tax:0.9%

๐Ÿ’ก Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Los Banos
Indianapolis
53 Moderate
Air Quality
54 Moderate
45.4%
Good Air Days
36.6%
97 High
Climate Risk
97 High
๐ŸŒŠโ˜€๐Ÿซจ
Top Hazards
๐ŸŒŠ๐ŸŒก๐ŸŒช
โ–ฒ+2.4ยฐF
2050 Outlook
โ–ฒ+3.1ยฐF
67 days
Heat Days >95ยฐF
18 days
โ–ฒ+2.4ยฐF
2050 Outlook
โ–ฒ+3.1ยฐF
67 days
Heat Days >95ยฐF
18 days

๐Ÿ’ฐ See how taxes change too โ€” compare take-home pay between California and Indiana on TaxTakeHome.com

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